Call reports 2009
REGENTS BANK, NATIONAL ASSOCIATION — 2009
What REGENTS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 295,965,000 | 315,258,000 | 327,412,000 | 343,030,000 |
| Total loans | 248,143,000 | 241,931,000 | 235,687,000 | 225,591,000 |
| Allowance for loan losses | 4,702,000 | 4,584,000 | 4,507,000 | 3,725,000 |
| Securities available for sale | 18,273,000 | 17,372,000 | 16,658,000 | 15,911,000 |
| Securities held to maturity | 6,852,000 | 6,863,000 | 6,881,000 | 6,791,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,202,000 | 281,357,000 | 294,419,000 | 304,192,000 |
| Interest-bearing deposits | 184,810,000 | 190,003,000 | 199,477,000 | 195,321,000 |
| Noninterest-bearing deposits | 85,392,000 | 91,354,000 | 94,942,000 | 108,871,000 |
| Equity capital | 25,145,000 | 31,133,000 | 31,811,000 | 37,294,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,874,000 | 7,781,000 | 11,492,000 | 15,214,000 |
| Interest expense | 478,000 | 922,000 | 1,315,000 | 1,630,000 |
| Net interest income | 3,396,000 | 6,859,000 | 10,177,000 | 13,584,000 |
| Noninterest income | 210,000 | 420,000 | 638,000 | 843,000 |
| Noninterest expense | 2,154,000 | 4,541,000 | 6,650,000 | 9,034,000 |
| Provision for loan losses | 1,177,000 | 1,327,000 | 2,178,000 | 2,812,000 |
| Pretax income | 275,000 | 1,114,000 | 1,558,000 | 2,104,000 |
| Income tax | 84,000 | 390,000 | 556,000 | 852,000 |
| Net income | 191,000 | 724,000 | 1,002,000 | 1,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,499,000 | 32,033,000 | 32,311,000 | 37,594,000 |
| Total capital | 29,778,000 | 35,229,000 | 35,414,000 | 40,616,000 |
| Risk-weighted assets | 260,864,000 | 254,273,000 | 246,784,000 | 241,045,000 |